Dog bites are one of the most common injuries out there (surprisingly enough), though we hope we never have to deal with it. If you are visiting or currently living in California and have been bitten by a dog, it is important to be fully aware of the local laws and know what to do if such an event ever does occur. The steps to take following a dog bite can vary depending on where you are located, the circumstances of the bite, and many other factors. While we love to think of dogs as cuddly pets, it’s important to remember that a dog bite could happen at any time and when it does, it often causes severe injury.
Risk Factors Following a Dog Bite
While many people are frightened by the dog bite itself, what actually poses the largest risk in situations like these is the infection that can occur after a dog bite. Dog bites are never fun to deal with, but the infection to follow could cause hospitalization and serious harm to your body and the infected area.
Luckily, there is an easy way to reduce the risk of getting an infection from the dog bite. You must thoroughly clean the infected area with warm water and soap immediately following the dog bite. This is to prevent any unnecessary dirt and grim from getting into the cut and causing much more significant problems down the road.
Liability for Dog Bites in Los Angeles
Every locality and state government has their own rules about dog bites, and Los Angeles is no different. In many cities across the country, dogs have a one-strike rule that doesn’t hold them liable for the first occasion of biting. In Los Angeles, this is not the case. Pet owners are required to abide by the California Civil Code. A dog’s owner can be held liable for injuries on any bite, even if it is their first and their owner had no idea that their dog was aggressive.
Once there has been a reported case of a dog bite, it is on the owner to determine a way to protect the public from an event like this happening again. If the dog bites again, they may be liable for even more damages, especially if they do not take the proper steps to help prevent it from happening.
What To Do
In the event you are ever bitten by an owner’s dog in Los Angeles and because of the laws pertaining to the California Civil Code, there are legal options to assist your situation. While a dog bite or attack might have cost you thousands financially through medical bills and lost wages, there are usually ways of getting some or most of it back. If you can verify that it is the fault of the owner of the dog, then you may be able to file a claim or file lawsuit against that person to claim medical bills and lost wages for compensation. The first thing you should do if you or another person has suffered a dog bite injury is to contact an experienced lawyer to discuss your rights.
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
- Affordable iced out jewelry at Gotta Jewelry May 19, 2022
- What does it really mean to be an Entrepreneur? May 18, 2022
- Suffered An Animal Attack? Learn Why Hiring An Attorney Is Important! May 18, 2022
- Feel-good films on Netflix that you must watch May 18, 2022
- Best first-person shooter games May 18, 2022
- Spotlight Summer 22: Ebony Brown The Celebrity Stylist May 16, 2022
- Global Crypto Market Cap Threatens to Break Below Current 2022 Lows May 10, 2022
- J’adore Les Fleurs made Buying Flowers a Luxury Experience: Here’s How May 6, 2022
- Getting to the Root of It! Lebanese Cosmetic Dentist Dr. Mohammad Waizani Explains Root Canal Treatments May 5, 2022
- 7 Important 2022 Facts about Industrial Robots for SMEs May 4, 2022
Tech1 year ago
Effuel Reviews (2021) – Effuel ECO OBD2 Saves Fuel, and Reduce Gas Cost? Effuel Customer Reviews
Tech3 years ago
Bosch Power Tools India Launches ‘Cordless Matlab Bosch’ Campaign to Demonstrate the Power of Cordless
Lifestyle3 years ago
Catholic Cases App brings Church’s Moral Teachings to Androids and iPhones
Lifestyle1 year ago
East Side Hype x Billionaire Boys Club. Hottest New Streetwear Releases in Utah.
Tech3 years ago
Cloud Buyers & Investors to Profit in the Future
Lifestyle2 years ago
The Midas of Cosmetic Dermatology: Dr. Simon Ourian
Health3 years ago
CBDistillery Review: Is it a scam?
Entertainment3 years ago
Avengers Endgame now Available on 123Movies for Download & Streaming for Free